The news: Stripe updated a host of products during Stripe Tour New York.

• Checkout suite. Stripe merchants can redirect customers from their iOS app to a mobile checkout page to save up to 90% in fees—dodging Apple’s 30% commission on in-app purchases and fees from other payment intermediaries. Klarna will be available on Link, Stripe’s one-click checkout solution. And businesses can opt in to adaptive pricing through Stripe Connect for no charge. 
• AI tools. Stripe launched an AI-powered excessive retry and decline prevention feature and expanded Stripe Radar to auto-adjust dynamic risk thresholds over Affirm, Bacs, and Cash App. A new Smart Refund feature can use AI to decrease merchants’ dispute rates.
• Agentic commerce. Stripe and OpenAI created an open standard for agentic checkout with the Agentic Commerce Protocol (ACP) and payment tokens compatible for agent-led checkout.
• Stripe Terminal. Merchants can process in-person transactions without Wi-Fi with Stripe Reader S710’s cellular connectivity.
• Stablecoins. Stripe will let businesses launch their own stablecoins with Open Issuance and stablecoin-backed Visa cards through Bridge.

Why this matters: Stripe wants to prove it can keep pace with competitors’ AI rollouts, like PayPal’s Advanced Offers Platform and Checkout.com’s Flow. It’s also trying to match Visa’s and Mastercard’s AI fraud protection tools. 

Stablecoin initiatives reflect a similar impulse not to be left behind the curve; having sunk over $1 billion in the acquisitions of Bridge and Privy, Stripe is betting its early investments will reap the long-term volume opportunities in crypto.

Our take: Stripe’s use of AI for fraud detection and a frictionless redirected checkout will give merchants increased security and better margins. 

For ecommerce companies, the ability to seize more of the revenues from in-app sales could motivate directing more marketing promotions aimed at driving customers to download their apps for checkout for a discount.

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